It may constitute a crime of loan fraud. For the purpose of illegal possession, it refers to the act of fabricating false reasons such as introducing funds and projects, using false economic contracts, using false documents, using false certificates of property rights as guarantees, repeatedly guaranteeing beyond the value of collateral, or defrauding banks or other financial institutions of a large amount of loans by other means.

But whether the behavior you mentioned constitutes a crime is closely related to the purpose, amount and behavior after borrowing. If the money is borrowed normally, only for business and can be repaid normally, it should not be considered a crime. Suspected of a crime, should focus on whether it has one of the following circumstances:

(1) absconded with the money after borrowing;

(2) The loan was not used according to the purpose, but was squandered, resulting in the loan being unable to repay;

(three) the loan is used for illegal and criminal activities, so that the loan can not be repaid;

(4) Change the purpose of the loan, and use the loan for high-risk economic activities (such as stock trading, futures and other financial investments), resulting in significant economic losses, so that the loan cannot be repaid;

(5) To seek illegitimate interests, change the purpose of the loan, resulting in significant economic losses, making the loan unable to repay;

(6) Providing false guarantee to apply for a loan, causing great economic losses, making the loan unable to repay, and so on.

Secondly, the loan fraud must be above 10000 to constitute this crime.